If you have closed accounts still appearing on your credit report, send a letter to the credit reporting agency asking for them to be removed. This sample letter can be used as a guide when creating your own. The letter states the reason for the request and includes supporting documentation. It also requests that the credit reporting agency confirms in writing that the accounts have been removed from the credit report. This template can be suited to fit your specific situation.
Letter to Remove Closed Accounts from Credit Report
[Your Name]
[Your Address]
[City, State, Zip Code]
[Date]
To,
[Recipient’s Name]
[Recipient’s Address]
[City, State, Zip Code]
To Whom It May Concern:
I request that the late payment be removed from my credit report. As you can see from the attached documentation, I was involved in a severe accident that prevented me from working for an extended period. As a result, I could not make the monthly payments on my account.
However, I have since returned to work and have been able to catch up on all of my missed payments. I have also closed the account to prevent any further late payments. I would appreciate it if you could update my credit report accordingly.
Thank you for your time and consideration.
[Signature],
[Name],
[Contact Number]
[Email Address]